{"id":19851,"date":"2025-05-09T15:24:13","date_gmt":"2025-05-09T19:24:13","guid":{"rendered":"https:\/\/www.assur360.ca\/business-insurance-3-minute-quote\/mechanical-garage-insurance-compare-offers-in-minutes\/"},"modified":"2026-05-07T16:00:57","modified_gmt":"2026-05-07T20:00:57","slug":"mechanical-garage-insurance-compare-offers-in-minutes","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/mechanical-garage-insurance-compare-offers-in-minutes\/","title":{"rendered":"Garage insurance"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360 \u2014 Assurance garage m\u00e9canique\", \"description\": \"Assurance pour garage m\u00e9canique au Qu\u00e9bec : v\u00e9hicules clients, RC, \u00e9quipement, pollution, levage. Soumission gratuite en 2 minutes. 1-866-357-4451.\", \"url\": \"https:\/\/www.assur360.ca\/assurance-garage-mecanique\/\", \"telephone\": \"1-866-357-4451\", \"areaServed\": {\"@type\": \"Place\", \"name\": \"Qu\u00e9bec, Canada\"}}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 24px;text-align:center;border-radius:0 0 16px 16px;margin-bottom:40px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 16px;\">MECHANICAL GARAGE<\/p>\n  <h2 style=\"color:#ffffff;font-size:32px;font-weight:800;margin:0 0 20px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Insurance-for-mechanical-garages-in-Quebec\"><\/span>Insurance for mechanical garages in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 auto 32px;max-width:700px;line-height:1.6;\">Mechanical, bodywork, specialized: your risks include <strong>customer vehicles, pollution, lifts<\/strong> and repair errors. Full garage coverage. <\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:16px;max-width:1200px;margin:0 auto 40px;padding:0 24px;\">\n  <div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">Starting at $2,000<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Annual premium<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">Customer vehicles<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Cutlery<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">Pollution<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Includes<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Certified brokers<\/div>\n  <\/div>\n<\/div>\n\n<p>A mechanical garage or body shop has unique risks that general commercial policies do not cover: <strong>entrusted customer vehicles<\/strong>, road tests, lifting, accidental pollution (oil, antifreeze, hydraulic fluid), repair errors that cause an accident. A suitable &#8220;Garage Owner&#8221; policy combines all these protections in one product. <\/p>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-garage-mecanique.jpg\" alt=\"Auto mechanics \u2014 Assur360 insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Garage-Insurance\"><\/span>Garage Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Garages insure <strong>the customer&#8217;s vehicles (garages)<\/strong> in addition to their equipment. The <em>garage<\/em> policy covers damage to repaired vehicles and test drives. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Essential:<\/strong> <em>care, custody and control<\/em> guarantee. Without it, a customer vehicle damaged during the repair is not covered. This is the #1 item of garage claims.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Garage-Specific-Protections\"><\/span>Garage Specific Protections<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;max-width:1200px;margin:24px auto;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Customer Vehicles<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Damage to cars entrusted for repair, test drive, parking. Often $250,000 to $1 million limit. <\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Garage liability<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">A repair error that causes an accident after the vehicle is returned to the customer.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Equipment<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Lifts, compressors, pneumatic tools, diagnostic equipment, paint booth.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Accidental pollution<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Oil spills, antifreeze, solvents \u2014 cleaning and environmental responsibility.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Business interruption<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Loss of income if the garage has to close after a fire or water damage.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Property and building<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Inventory of parts, tires, tools, furniture, leasehold improvements.<\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border:2px solid #10c4c7;border-radius:12px;padding:32px;margin:40px auto;max-width:1200px;color:#ffffff;\">\n  <h3 style=\"color:#10c4c7;font-size:1.3rem;margin:0 0 16px;\">\ud83d\udca1 Broker&#8217;s advice<\/h3>\n  <p style=\"color:#e2e8f0;font-size:1rem;line-height:1.7;margin:0;\">The <strong>detailed list of vehicles in<\/strong> your garage should be updated <strong>daily<\/strong>. In the event of a fire at night, the insurer will ask for the exact list of vehicles. A computer system that records entry\/exit with photos and signatures protects your coverage. A garage owner without a clear inventory can have their claim delayed for several months.   <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\" id=\"faq\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:1200px;margin:0 auto 40px;\">\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">How much does garage insurance cost in Quebec?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">For an independent mechanical garage with 3 to 6 bays: between $2,000 and $5,500 per year. Body shops or specialized shops (high-end, exotic cars) pay more because of the value of the vehicles entrusted to them ($5,500 to $15,000). <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are customers&#8217; vehicles covered by my civil liability?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">No \u2014 commercial liability excludes <strong>entrusted assets<\/strong>. You need a specific &#8220;customers&#8217; autos&#8221; endorsement. The limit should be the maximum value of the vehicles you receive at the same time (typically $250,000 to $1 million).  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">A customer leaves the garage and has an accident because of my repair \u2014 am I covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, via <strong>garage liability (&#8220;products and completed operations&#8221;)<\/strong>. Example: improperly installed brakes, loose wheel bolts, contaminated brake fluid. Typical limit: $2 million per claim. Always get a customer signature on the work order that outlines the repairs made.   <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are spilled fluids on the floor a problem?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes \u2014 <strong>accidental pollution<\/strong> can result in a clean-up bill of $10,000 to $100,000 if the oil reaches the storm water system or subsoil. The gradual pollution endorsement (cost $500 to $1,500\/year) is strongly recommended. <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">My employees test drive \u2014 is it covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, if your policy includes <strong>test drives within a reasonable radius<\/strong>. Tests on a closed course or on the road at high speed (diagnosis of a sports engine) may be excluded. Declare these activities at the time of subscription if they are part of your service.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are tyres stored outdoors covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Tires stored <strong>inside<\/strong> are covered against theft and fire. Tires stored <strong>outdoors unfenced<\/strong> may be excluded or limited. Provide secure storage for large volumes (winter\/summer).  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">My workshop uses flammable products (paint, solvents) \u2014 restrictions?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">The insurer will require that your <strong>paint booth comply with<\/strong> municipal and fire standards. An annual inspection certificate may be requested. Storing solvents in excess of 200 L often requires an approved safety cabinet.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">I also repair heavy vehicles (trucks, buses) \u2014 even police?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">No \u2014 heavy vehicles require <strong>a specialized policy<\/strong> with higher limits (vehicle and liability). Some insurers refuse mixed garages. Your broker identifies the right insurer for your clientele.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Am I responsible if a customer forgets a piece of jewelry or a bag in their vehicle?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\"><strong>The client&#8217;s personal belongings<\/strong> are generally excluded from your coverage. Ask customers to remove their valuables before leaving the vehicle. Written notice at your premises limits your liability in the event of theft.  <\/div>\n  <\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Mechanical-garages-throughout-Quebec\"><\/span>Mechanical garages throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#f8fafc;border-radius:12px;padding:28px;margin:24px auto 40px;max-width:1200px;\">\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0 0 12px;\">Assur360 supports businesses throughout Quebec: <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Longueuil<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong> and <strong>Saguenay<\/strong>. Independent shops, franchises (Midas, Monsieur Muffler, Pneus Touchette), dealers and specialists: our brokers place your risk with insurers who are familiar with the requirements of the Quebec automotive sector. <\/p>\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0;\">100% online quote, free of charge, with comparison of several Canadian insurers.<\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Additional-Coverage-to-Consider\"><\/span>Additional Coverage to Consider<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;max-width:1200px;margin:24px auto;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Business Insurance<\/div>\n  <\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/trucking-insurance-2\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Trucking Insurance<\/div>\n  <\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-by-activity\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Commercial Assurance<\/div>\n  <\/a>\n<a href=\"\/assurance-entreprise-informatique\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">IT Business Insurance<\/div>\n  <\/a>\n<\/div>\n\n<h3 class=\"wp-block-heading\">Official references<\/h3>\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/saaq.gouv.qc.ca\/\" rel=\"nofollow noopener\" target=\"_blank\">SAAQ \u2014 garages<\/a><\/li>\n<li><a href=\"https:\/\/www.ccaq.com\/\" rel=\"nofollow noopener\" target=\"_blank\">Corporation of Quebec Automobile Dealers<\/a><\/li>\n<li><a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurances\/\" rel=\"nofollow noopener\" target=\"_blank\">Autorit\u00e9 des march\u00e9s financiers<\/a><\/li><\/ul>\n\n<div style=\"background:#f0fdfa;border:2px solid #10c4c7;border-radius:12px;padding:30px;margin:40px auto;max-width:1200px;\">\n  <h3 style=\"color:#0d1f2d;font-size:1.15rem;margin:0 0 16px;\">\ud83d\udee1 Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:16px;\">\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">AMF<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Certified brokers<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">ChAD<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Insurance Chamber<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">100K+<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Submissions processed<\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:48px 24px;text-align:center;max-width:1200px;margin:0 auto 40px;border-radius:16px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 12px;\">COMPARE AND SAVE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Get-your-free-quote\"><\/span>Get your free quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 0 28px;\">Our AMF-certified brokers compare several insurers to find you the best coverage.<\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">\n{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Combien co\u00fbte une assurance garage au Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Pour un garage m\u00e9canique ind\u00e9pendant avec 3 \u00e0 6 baies : entre 2 000 $ et 5 500 $ par ann\u00e9e. Les ateliers de carrosserie ou sp\u00e9cialis\u00e9s (haut de gamme, voitures exotiques) paient davantage en raison de la valeur des v\u00e9hicules confi\u00e9s (5 500 $ \u00e0 15 000 $).\"}}, {\"@type\": \"Question\", \"name\": \"Les v\u00e9hicules de clients sont-ils couverts par ma RC ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non \u2014 la RC commerciale exclut les <strong>biens confi\u00e9s. Vous avez besoin d'un avenant sp\u00e9cifique \u00ab v\u00e9hicules des clients \u00bb (aussi appel\u00e9 \u00ab customers' autos \u00bb). La limite doit correspondre \u00e0 la valeur maximale des v\u00e9hicules que vous recevez simultan\u00e9ment (typiquement 250 000 $ \u00e0 1 M$).\"}}, {\"@type\": \"Question\", \"name\": \"Un client quitte le garage et a un accident \u00e0 cause de ma r\u00e9paration \u2014 suis-je couvert ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, via la <\/strong><strong>RC garagiste (\u00ab products and completed operations \u00bb). Exemple : freins mal pos\u00e9s, boulons de roue non serr\u00e9s, liquide de frein contamin\u00e9. Limite typique : 2 M$ par sinistre. Obtenez toujours une signature client sur le bon de travail qui d\u00e9crit les r\u00e9parations effectu\u00e9es.\"}}, {\"@type\": \"Question\", \"name\": \"Les fluides renvers\u00e9s sur le plancher sont-ils un probl\u00e8me ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui \u2014 la <\/strong><strong>pollution accidentelle peut entra\u00eener une facture de nettoyage de 10 000 $ \u00e0 100 000 $ si les hydrocarbures atteignent le r\u00e9seau pluvial ou le sous-sol. L'avenant pollution graduelle (co\u00fbt 500 $ \u00e0 1 500 $\/an) est fortement recommand\u00e9.\"}}, {\"@type\": \"Question\", \"name\": \"Mes employ\u00e9s font des essais routiers \u2014 est-ce couvert ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, si votre police inclut les <\/strong><strong>essais routiers dans un rayon raisonnable. Les essais sur circuit ferm\u00e9 ou sur la route \u00e0 haute vitesse (diagnostic d'un moteur sport) peuvent \u00eatre exclus. D\u00e9clarez ces activit\u00e9s \u00e0 la souscription si elles font partie de votre service.\"}}, {\"@type\": \"Question\", \"name\": \"Les pneus stock\u00e9s \u00e0 l'ext\u00e9rieur sont-ils couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Les pneus entrepos\u00e9s <\/strong><strong>\u00e0 l'int\u00e9rieur sont couverts contre vol et incendie. Les pneus entrepos\u00e9s <\/strong><strong>\u00e0 l'ext\u00e9rieur non cl\u00f4tur\u00e9 peuvent \u00eatre exclus ou limit\u00e9s. Pr\u00e9voyez un entreposage s\u00e9curis\u00e9 pour les volumes importants (hiver\/\u00e9t\u00e9).\"}}, {\"@type\": \"Question\", \"name\": \"Mon atelier utilise des produits inflammables (peinture, solvants) \u2014 restrictions ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"L'assureur exigera que votre <\/strong><strong>cabine de peinture soit conforme aux normes municipales et d'incendie. Un certificat d'inspection annuel peut \u00eatre demand\u00e9. Le stockage de solvants en exc\u00e8s de 200 L n\u00e9cessite souvent un armoire de s\u00e9curit\u00e9 approuv\u00e9e.\"}}, {\"@type\": \"Question\", \"name\": \"Je r\u00e9pare aussi des v\u00e9hicules lourds (camions, autobus) \u2014 m\u00eame police ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non \u2014 les v\u00e9hicules lourds n\u00e9cessitent une <\/strong><strong>police sp\u00e9cialis\u00e9e avec limites plus \u00e9lev\u00e9es (v\u00e9hicule et responsabilit\u00e9). Certains assureurs refusent les garages mixtes. Votre courtier identifie l'assureur ad\u00e9quat selon votre client\u00e8le.\"}}, {\"@type\": \"Question\", \"name\": \"Suis-je responsable si un client oublie un bijou ou un sac dans son v\u00e9hicule ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Les <\/strong><strong>effets personnels du client sont g\u00e9n\u00e9ralement exclus de votre couverture. Demandez aux clients de retirer leurs effets de valeur avant de laisser le v\u00e9hicule. Un avis \u00e9crit dans vos locaux limite votre responsabilit\u00e9 en cas de vol.\"}}]}\n<!-- wpml:html_fragment <\/strong><\/script>  -->\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Assurance entreprise\", \"item\": \"https:\/\/assur360.ca\/assurance-entreprise\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Assurance garage m\u00e9canique\", \"item\": \"https:\/\/www.assur360.ca\/assurance-garage-mecanique\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>MECHANICAL GARAGE Insurance for mechanical garages in Quebec Mechanical, bodywork, specialized: your risks include customer vehicles, pollution, lifts and repair errors. Full [&hellip;]<\/p>\n","protected":false},"author":44,"featured_media":63056,"parent":15787,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Garage Insurance Quebec 2026 | Car workshop price","_seopress_titles_desc":"Insurance for mechanical garages in Quebec: customer vehicles, RC, equipment, pollution, lifting. 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